Insurance
Texas Car Insurance Requirements and Costs
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Texas auto insurance must include at least 30/60/25 in liability coverage. Your policy will also include personal injury protection and uninsured motorist coverage, unless you turn them down in writing. Texas is an at-fault state, so the driver who causes a crash pays for the damage.
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Texas Auto Insurance snapshot
- State minimum liability
- 30/60/25
Not a quote, offer or approval. Your price comes from the provider. Last updated October 2026.
Texas car insurance requirements
Texas requires liability insurance. Liability pays for injuries and damage you cause to other people. The minimum is written as 30/60/25:
- $30,000 for injuries to one person
- $60,000 total for injuries per crash
- $25,000 for damage to other people's property
These are only minimums. A serious crash can cost far more than $30,000 per person. If the bills go over your limits, you could be on the hook for the rest.
Texas checks your coverage through an online system called TexasSure. Your insurer reports your policy to it. That's how police can often confirm your coverage during a traffic stop, even if you forgot your card.
Two coverages you get unless you say no
Texas insurers must include these two coverages in your policy. You can only drop them by rejecting them in writing.
Personal injury protection (PIP). PIP pays medical bills and some lost pay for you and your passengers, no matter who caused the crash. It starts at $2,500 per person.
Uninsured and underinsured motorist coverage (UM/UIM). This pays for your injuries and car damage if the driver who hits you has no insurance or not enough.
Both can lower your price a little if you drop them. But they protect you in crashes where the other driver can't pay. In 2023, about 14.5% of Texas drivers were uninsured, according to the Insurance Research Council. Think hard before you sign UM away.
Who's covered when someone else drives
People in your home. Some Texas insurers require you to list everyone of driving age who lives with you. If you leave someone off, the company may bill you for the missing premium or deny a claim. When you get quotes, list your household honestly.
Lending your car. If a friend borrows your car and causes a crash, your insurance, as the car owner's, usually pays first. The driver's own policy may help if yours runs out. The same works in reverse when you borrow a car. So only lend your car to people you trust behind the wheel.
Weather drives Texas claims
Hail and flooding lead to lots of claims on Texas cars. Neither is covered by liability. You need comprehensive coverage, which pays for damage from storms, floods, theft, and hitting a deer. If you have a loan or lease, your lender will likely require it. Learn what comprehensive covers.
How to find the best car insurance in Texas
Use HelpInsure.com. The Texas Department of Insurance runs a free site called HelpInsure.com. It shows sample auto rates and each company's complaint index. A complaint index above 1.0 means more complaints than average for its size.
Compare the same coverage. Cheap car insurance in Texas is often bare-minimum liability with no collision or comprehensive. Line up limits and deductibles before you choose.
Bundle if it helps. Many providers give a discount when you also buy homeowners insurance in Texas or renters insurance from them.
Texas car insurance laws you should know
Driving without insurance. A first offense can mean a fine of $175 to $350, plus court costs. Later offenses bring bigger fines, and your car may be impounded. You may also be required to file an SR-22, which is a form your insurer sends the state to prove you have coverage.
Limits on canceling you. In the first 60 days, an insurer can cancel your policy for almost any reason that doesn't break the law. After that, it can only cancel for nonpayment, a fraudulent claim, or a suspended license or registration. It must give you 10 days' notice.
Nonrenewal notice. If you bought or renewed your policy in 2024 or later, the insurer must give you 60 days' notice before it refuses to renew. Older policies get 30 days.
Fault decides who pays. Texas uses a 51% rule. If you're more than 50% at fault for a crash, you generally can't collect damages from the other driver. If you're 50% or less at fault, what you can collect is cut by your share of the blame.
What to ask before you choose
- Are my liability limits higher than the 30/60/25 minimum? How high should they be for what I own?
- Does this quote include PIP and uninsured motorist coverage?
- Do I have comprehensive coverage for hail and flood damage?
- What are my deductibles?
- Which discounts do I qualify for?
Related services
Compare Texas homeowners insurance, renters insurance, or umbrella insurance. Use your car for work? See commercial auto insurance.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
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Sources
- Texas Department of Insurance, Auto insurance guide
- Texas Transportation Code §601.191, Operation of motor vehicle in violation of requirement to establish financial responsibility
- Texas Civil Practice and Remedies Code §33.001, Proportionate responsibility
- HelpInsure.com (Texas Department of Insurance and Office of Public Insurance Counsel)
- TexasSure vehicle insurance verification
- Insurance Research Council estimates of uninsured motorists (2023), via Insurance Information Institute